Why Was Money Debited from My Account?

With File & Go, there is no money due at the time you file your return. Instead, the preparation fees are due within 21 days after your return is filed.

In most cases, taxpayers expect their IRS refund to arrive during that timeframe. However, if the IRS has not processed your refund before the payment deadline, the File & Go agreement allows the third-party payment processor to debit the bank account on file to collect the fees owed.

This payment arrangement is outlined in the agreement you accepted when selecting the File & Go option.

Before any account debit occurs, we send multiple email reminders explaining that payment has not yet been received.

The first reminder email includes a payment link, allowing you to pay the fees directly and avoid an automatic withdrawal from your account. Additional reminder emails are sent before the scheduled debit date to provide advance notice and an opportunity to make payment.

If you signed up for File & Go, it's a good idea to review any emails associated with your filing account, including spam or junk folders.

No. The scheduled payment date cannot be changed.

The third-party bank that processes File & Go payments does not allow payment dates to be modified once the agreement is in place. As a result, we are unable to delay, reschedule, or adjust the debit date.

We understand that waiting on a tax refund can be stressful, especially when you're counting on those funds to cover expenses.

File & Go was designed to help taxpayers file without paying preparation fees upfront. However, once the return has been prepared and filed, the service has already been provided.

To help avoid surprises, reminder emails are sent before the debit occurs. In practice, these reminders provide roughly one additional month beyond the IRS's estimated 21-day processing timeframe, giving you extra time to make payment if your refund has not yet arrived.

The payment obligation and timing are described in the File & Go agreement you accepted when filing your return.